Congressman Emanuel Cleaver, II is pleased to share his op-ed featured in American Banker regarding possible discriminatory practices within fintech lending companies. In the op-ed, Congressman Cleaver writes, �Fintech companies are a new and innovative way to provide consumers and small businesses the opportunity to gain access to capital at lower costs than traditional banks by eliminating the �middleman.� However, with a relatively new and expanding model, it is critical that we be certain these innovative companies are not targeting those most susceptible to financial risks with predatory or discriminatory lending practices. There are serious concerns that some of these …